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Financial Highlights

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 2,269,065 2,138,954 1,525,857 1,377,263 1,315,041
Total Net Loans 1,643,479 1,549,653 1,153,724 1,044,469 989,864
Total Deposits 1,632,621 1,579,893 1,204,923 1,121,103 1,052,033
Equity Attributable to Parent Company 329,263 298,898 184,461 137,616 125,173
Total Equity 329,263 298,898 184,461 137,616 125,173
Profitability (%)
Net Income($000) 26,038 14,139 15,872 17,217 12,745
Net Income Attributable to Parent($000) 26,038 14,139 15,872 17,217 12,745
ROAA 1.56 0.81 1.04 1.19 0.95
Core ROAA 1.59 1.42 1.10 1.22 1.01
ROAE 11.04 6.50 9.19 12.90 10.59
ROATCE 15.59 8.18 11.68 19.17 16.63
Core ROAE 11.24 11.41 9.70 13.23 11.19
Net Interest Margin 4.24 4.15 3.88 3.80 3.94
Reported: Net Interest Margin 4.35 4.21 4.01 3.93 3.96
Efficiency Ratio 60.93 63.33 67.77 65.17 66.61
Noninterest Inc/ Operating Rev 20.74 21.87 23.08 24.10 22.93
Balance Sheet Ratios (%)
Loans/ Deposits 100.98 98.86 96.66 94.15 95.20
Securities/ Assets NA 17.36 16.18 15.38 16.10
Total Equity/ Total Assets 14.51 13.97 12.09 9.99 9.52
Tangible Equity/ Tangible Assets 11.23 10.43 10.47 8.11 7.48
Tang Common Equity/ Tang Assets 10.81 9.98 9.31 6.70 5.75
Asset Quality (%)
NPAs/ Assets 0.42 0.42 0.59 0.81 0.96
NPA Excl Restructured/ Assets 0.27 0.27 0.40 0.51 0.71
NPAs & 90+ PD/ Assets NA 0.42 0.59 0.81 0.96
NPAs/ Loans & REO 0.57 0.57 0.77 1.06 1.26
Nonaccrual & 90+ & OREO/ Assets NA 0.27 0.40 0.51 0.71
NPAs & 90+ PD/ Loans & REO NA 0.57 0.78 1.06 1.26
NPA & Loans 90+/ Tangible Common Equity + LLR NA 4.07 5.93 10.76 14.34
NCOs/ Avg Loans (0.03) 0.02 0.02 (0.02) 0.11
Loan Loss Reserves/ Gross Loans 0.85 0.87 1.13 1.26 1.43
Reserves/ NPAs 149.91 153.82 145.35 119.22 113.36
Loan Loss Provision/ NCO NM 331.91 0 NM 108.40
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 208,061 140,853 93,463 75,819
Tier 1 Capital($000) NA 246,852 187,638 141,840 127,519
Tier 2 Capital($000) NA 13,679 13,134 13,305 12,569
Total Capital($000) NA 260,531 200,772 155,145 140,088
Total Risk-weighted Assets($000) NA 1,616,090 1,212,810 1,092,952 1,004,225
Tier 1 Common Capital (CET1) Ratio(%) NA 12.87 11.61 8.55 7.55
Tier 1 Ratio(%) 15.50 15.30 15.47 12.98 12.70
Total Capital Ratio(%) 16.32 16.15 16.55 14.20 13.96
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.37 12.22 12.70 10.55 9.96
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,473,275 15,603,499 10,198,475 8,343,509 7,843,578
Avg Diluted Shares(actual) 16,891,286 13,855,707 12,352,616 10,950,961 10,918,335
Basic Book Value per Share 20.69 18.56 16.39 14.22 13.12
Book Value per Share, As Reported 20.69 18.56 16.39 14.22 13.12
Basic Tangible Book Value per Share 15.27 13.14 13.68 10.84 9.43
Tangible Book Value per Share, As Reported 15.27 13.14 13.68 10.84 9.43
Common Dividends Declared per Share 0.31 0.32 0.25 0.22 0.20
EPS after Extra 1.54 1.02 1.28 1.57 1.17
EPS after Extra Growth(%) 202 (20.30) (18.50) 34.20 37.60
Core EPS 1.57 1.79 1.35 1.61 1.24
Core EPS Growth(%) 23.90 32.40 (16.10) 30.30 39
Diluted EPS before Amortization 1.58 1.05 1.33 1.63 1.24
Pre-Provision Earnings per Share 1.44 1.75 1.16 1.33 1.14
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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